AMINA Bank Just Went Full Ripple — Europe’s Banking Scene Gets a Shock Upgrade
Ripple and AMINA Bank Launch Europe’s First Live Blockchain Payments Integration
Ripple has achieved a major breakthrough in the European financial sector as AMINA Bank, a regulated Swiss crypto bank, has officially gone live with Ripple Payments. The integration marks the first time a European bank has fully deployed Ripple’s payment technology for real-world operations, creating a significant bridge between traditional finance and blockchain-powered settlement infrastructure.
For Ripple, the milestone strengthens its position as a global leader in regulated digital asset payments. For AMINA Bank, it opens a new era of cross-border settlement tools designed to meet the needs of crypto-native businesses, fintech firms, and global enterprises navigating an increasingly digital financial environment.
A New Bridge Between Legacy Banking and Digital Asset Settlement
For more than a decade, crypto companies and blockchain firms have struggled to work seamlessly with traditional banks. They often faced slow correspondent banking procedures, lengthy compliance reviews, high fees, and settlement delays lasting several days. These frictions multiplied when stablecoins entered the picture, because most banks lacked the infrastructure to support or clear transactions tied to digital assets.
AMINA Bank says this problem has now been meaningfully reduced. According to Myles Harrison, Chief Product Officer at AMINA, the gap between old banking rails and new blockchain-based systems is finally narrowing.
Harrison explained that traditional correspondent banking frameworks were not designed for the speed and real-time settlement expectations of digital assets. Stablecoin transactions, in particular, struggle in conventional banking because identity checks, liquidity constraints, and compliance systems do not synchronize well with blockchain settlement speeds.
Ripple Payments introduces an alternative. The system allows AMINA to route transactions across fiat and blockchain channels simultaneously. It uses Ripple’s licensed infrastructure to settle payments faster, reduce operating costs, improve auditing visibility, and maintain reliability across borders.
Harrison noted that the integration gives AMINA’s clients a rare competitive advantage at a moment when Web3 companies are expanding internationally and require compliant, bank-grade settlement rails. “For many of our clients, this finally removes a pain point they have been navigating for years,” he said.
How Ripple Payments Works Inside a Regulated European Bank
Ripple Payments is the company’s flagship global settlement technology. Built on Ripple’s digital asset infrastructure, the system enables banks and enterprises to send multi-currency payments, transact with stablecoins such as RLUSD, and execute cross-border instructions with far more efficiency than the legacy SWIFT model.
The platform is fully licensed and integrates directly with regulated financial institutions. Ripple emphasizes compliance as a core pillar of the design, ensuring that banks maintain strict oversight of transactions while benefiting from blockchain-level speed and transparency.
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| Source: Xpost |
Ripple Payments currently supports more than 70 global markets, processes over 95 billion dollars in settled volume, and reaches more than 90 percent of global foreign exchange corridors through partner institutions.
AMINA Bank’s integration means that Ripple’s system is now embedded directly into a Swiss-regulated bank. As a result, AMINA customers are able to move assets internationally with significantly less friction. Transactions that previously required multiple intermediaries are now handled by a unified infrastructure that connects both sides of the financial world.
Ripple’s Growing Influence in Europe’s Digital Asset Banking Push
Ripple views the AMINA partnership as a core element of its expanding European strategy. The company has long pursued a regulatory-first approach, a decision that now positions it well as the European Union rolls out MiCA, a comprehensive regulatory framework for digital assets expected to guide the next decade of crypto adoption.
Cassie Craddock, Ripple’s Managing Director for the United Kingdom and Europe, said that AMINA Bank is now acting as a new on-ramp for innovators who require access to traditional financial infrastructure without losing the advantages of digital asset technologies.
Craddock emphasized that Ripple’s platform allows banks to support multi-currency payouts, stablecoin settlements including RLUSD-based transfers, and a range of digital payment operations within a fully compliant and licensed system. She said this integration represents a model for how banks across Europe may modernize their infrastructure.
With AMINA now live, Ripple’s footprint in the region continues to deepen. The timing is critical as European regulators push for clear, transparent rules that define how crypto and financial institutions should operate together. Ripple believes these regulatory advancements will accelerate industry adoption and offer banks a safer path to digital asset services.
AMINA Bank Expands Its Regulatory Reach as it Integrates Ripple Technology
AMINA Bank has grown quickly since receiving its FINMA banking license in 2019. The institution operates with a model that blends crypto custody, asset management, and banking services, and it has built a reputation for compliance-forward crypto operations.
In recent months, AMINA expanded its regulatory presence with approvals in Hong Kong and additional licensing pathways under the European Union’s MiCA framework. These achievements give the bank a strong global footprint and allow it to serve clients across multiple continents.
The integration with Ripple Payments adds a critical layer to AMINA’s capabilities. It transforms the bank from a provider of crypto banking services into a fully connected digital settlement hub capable of executing fast, efficient, cross-border financial operations.
For clients, the upgrade means fewer delays, fewer intermediaries, and faster access to liquidity. For AMINA, it cements the bank’s role as one of Europe’s most advanced digital asset institutions.
Why the Ripple–AMINA Partnership Matters for the Future of Finance
The partnership is not only important for both companies, but for the broader financial ecosystem. It highlights several emerging trends in global finance that are shaping how banks operate in the digital era.
1. Banks are beginning to adopt blockchain technology as core infrastructure
Institutions are no longer treating blockchain as an experimental tool. Instead, they are adopting it as a core component of their payment frameworks.
2. Stablecoins are moving into regulated environments
RLUSD and other stablecoins are increasingly being integrated into licensed banks rather than remaining confined to crypto exchanges and decentralized platforms.
3. Regulatory clarity is accelerating institutional adoption
With frameworks like MiCA in Europe, more banks feel confident integrating digital asset technology without regulatory uncertainty.
4. Clients demand faster cross-border transaction capabilities
Global businesses expect instant settlement. Ripple provides a pathway to meet those expectations at a global scale.
5. Partnerships like these help normalize crypto inside the banking world
When a FINMA-licensed bank integrates Ripple, it signals that digital asset technologies are moving into the mainstream.
Ripple and AMINA Set the Stage for a New Standard in Banking
Many banks across the world still treat crypto as a secondary or optional service. Ripple and AMINA’s collaboration aims to redefine this approach. Instead of viewing digital assets as a side feature, AMINA integrates them directly into the bank’s payment core.
This approach reflects the wider shift happening across global finance. As digital asset usage grows, demand increases for regulated infrastructure that supports cross-border payments and liquidity movement. Ripple and AMINA believe they are creating a blueprint that other institutions may follow.
Ripple executives say this partnership marks the beginning of a new phase in crypto-enabled banking in Europe. AMINA says the system allows it to operate at the intersection of compliance, innovation, and global finance in a way traditional systems cannot match.
Conclusion
The launch of Ripple Payments inside AMINA Bank signals a new phase in Europe’s digital financial landscape. The collaboration brings blockchain-driven efficiency into a fully regulated environment, offering faster and more transparent cross-border settlements while maintaining compliance with international standards.
Ripple strengthens its European strategy as MiCA frameworks take shape. AMINA gains a powerful competitive advantage in the global digital banking sector. And clients benefit from faster transactions, lower costs, and streamlined access to liquidity.
The partnership is likely to serve as a reference point for future integrations between traditional banks and blockchain infrastructure. As global finance evolves, institutions that adapt early may define the standards that guide the next generation of digital financial systems.
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